- A skull cap that covers my ears, an absolute must for me when it dips below 45' F
- an extra pair of socks
- a couple of layers on top

If I have to wear gloves, it's too cold. I played football for years in all sorts of terrible weather without them.

How cold is too cold ? Too windy ? Too wet ?

Too cold - if the ground is frozen
Too windy - windchill below 30' F
Too wet - If you can get from tee to green without wading it's dry enough, but I never head out in the rain.